Goals

Working Capital Increase

Investment Goals

Refinancing of existing loans in other banks

Terms

Currency

KZT

Remuneration Rate

from 25.7% to 28.5% (Annual Effective Rate from 31.2% to 34.4%)*

Type of Lending

Bank loan
Revolving/non-revolving credit line

Loan Term

Investment purposes - up to 60 months

Working capital replenishment – up to 36 months

Tranche under the credit line:

up to 24 months for working capital replenishment
up to 60 months for investment purposes

Loan Amount

Up to 20,000,000 ₸

Repayment Schedule

Principal – monthly in differentiated payments
Remuneration – monthly
Principal – monthly in annuity payments
Remuneration - monthly

Credit Fees

According to the approved tariffs of the Bank**

Collateral

Guarantee of JSC "Entrepreneurship Development Fund "Damu" of at least 85% of the credit amount for entrepreneurs participating under government programs, and at least 15% of the credit amount
Real estate and/or movable property and/or pledge of funds

* Remuneration rates are approved by the decision of the Asset and Liability Management Committee (Annex No. 1 to Protocol No. 107-12 dated 10.10.2025).

**Tariffs do not apply under government programs, if provided by the agreement between the Bank and the financial agency, and/or the legislation of the RK, and/or the conditions of the programs, and/or the decision of the authorized body of the Bank.

Frequently Asked Questions

What is the value of 1 digital tenge?: One digital tenge is equivalent to one tenge in both cash and non-cash forms.

What is the value of 1 digital tenge?: One digital tenge is equivalent to one tenge in both cash and non-cash forms.

What is the value of 1 digital tenge?: One digital tenge is equivalent to one tenge in both cash and non-cash forms.

What is the value of 1 digital tenge?: One digital tenge is equivalent to one tenge in both cash and non-cash forms.

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Frequently Asked Questions